OLD MARKET CAPITAL Amends 10-K, Confirms Smaller Reporting Status

TL;DR

**OMCC's 10-K/A is a routine amendment, but investors should scrutinize the full filing for any material changes to its financial health as a smaller reporting company.**

AI Summary

OLD MARKET CAPITAL Corp (OMCC) filed a 10-K/A on June 30, 2025, for the fiscal year ended March 31, 2025, indicating an amendment to its annual report. The filing confirms OMCC is a non-accelerated filer and a smaller reporting company, as defined by Rule 12b-2 of the Exchange Act. While specific revenue and net income figures are not detailed in the provided excerpt, the amendment suggests potential adjustments or clarifications to previously reported financial statements or disclosures. The company, incorporated in Delaware with IRS Employer Identification No. 59-2506879, maintains its principal executive offices at 1601 Dodge St., Suite 3350, Omaha, Nebraska 68102. OMCC's common stock is traded on NASDAQ under the symbol OMCC. The filing confirms the registrant has filed all required reports under Section 13 and 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months and has submitted all required Interactive Data Files.

Why It Matters

This 10-K/A filing is crucial for investors as it signals potential revisions to OLD MARKET CAPITAL Corp's previously reported annual financial information, which could impact valuation and future projections. For employees, it might indicate stability or changes in corporate strategy depending on the nature of the amendment. Customers could see indirect effects through changes in service offerings or pricing if the amendment relates to operational shifts. In the broader market, OMCC's status as a smaller reporting company means it faces different regulatory burdens and investor scrutiny compared to larger competitors, potentially affecting its competitive positioning in the short-term business credit institutions sector.

Risk Assessment

Risk Level: low — The risk level is low because this is an amendment (10-K/A) to an annual report, not an initial filing, suggesting corrections or updates rather than a new, unexpected disclosure of significant issues. The filing explicitly states OMCC has filed all required reports and interactive data files, indicating regulatory compliance. There are no immediate red flags or adverse financial figures presented in this excerpt.

Analyst Insight

Investors should review the complete 10-K/A filing to understand the specific nature of the amendments and their potential impact on OMCC's financial statements and disclosures. Pay close attention to any changes in revenue, net income, or risk factors that might have been revised.

Key Numbers

• 2025-03-31 — Fiscal Year End (Period covered by the 10-K/A filing)
• 2025-06-30 — Filing Date (Date the 10-K/A was filed)
• 0-26680 — Commission File Number (SEC file number for OLD MARKET CAPITAL Corp)
• 1601 Dodge St., Suite 3350 — Business Address (Principal executive offices of OLD MARKET CAPITAL Corp)
• Omaha, Nebraska 68102 — Business Location (City, State, and Zip Code of principal executive offices)
• (531) 867-3631 — Telephone Number (Registrant's telephone number)

Key Players & Entities

• OLD MARKET CAPITAL Corp (company) — Registrant filing the 10-K/A
• OMCC (company) — Trading symbol for OLD MARKET CAPITAL Corp
• NASDAQ (regulator) — Exchange where OMCC Common Stock is registered
• SEC (regulator) — Regulator for 10-K/A filings
• Delaware (regulator) — State of incorporation for OLD MARKET CAPITAL Corp
• 59-2506879 (regulator) — IRS Employer Identification No. for OLD MARKET CAPITAL Corp
• Rule 12b-2 (regulator) — Defines 'smaller reporting company'
• Section 13 (regulator) — Section of Securities Exchange Act of 1934
• Section 15(d) (regulator) — Section of Securities Exchange Act of 1934

FAQ

Industry Context

OLD MARKET CAPITAL Corp operates within the financial services sector, specifically as a short-term business credit institution (SIC code 6153). This industry is characterized by its sensitivity to interest rate fluctuations, economic cycles, and regulatory changes. Companies in this space typically provide financing solutions to businesses, often focusing on working capital needs or specific project funding.

Regulatory Implications

As a publicly traded company, OMCC is subject to the oversight of the SEC and must comply with the Securities Exchange Act of 1934. The filing of a 10-K/A highlights the importance of accurate and timely financial reporting. Furthermore, as a financial institution, it may be subject to additional regulations specific to lending and credit provision.

What Investors Should Do

1. Review the specific amendments in the 10-K/A filing.
2. Assess the company's status as a non-accelerated filer and smaller reporting company.
3. Monitor industry trends and economic conditions affecting short-term business credit.

Key Dates

• 2025-03-31: Fiscal Year End — Marks the end of the reporting period for the annual financial statements included in the 10-K/A.
• 2025-06-30: Filing Date of 10-K/A — Indicates the date the amended annual report was submitted to the SEC, suggesting potential revisions or additions to previously filed information.
• 1995-08-29: Date of Name Change from NICHOLAS FINANCIAL INC — Provides historical context for the company's corporate identity and evolution.

Glossary

10-K/A

An amended annual report filed with the Securities and Exchange Commission (SEC) to correct or supplement information previously submitted in a Form 10-K. (This filing indicates that OLD MARKET CAPITAL Corp has made amendments to its annual report for the fiscal year ended March 31, 2025.)

Non-accelerated filer

A filer that does not meet the criteria for a large accelerated filer or an accelerated filer, typically based on public float and filing history. (Confirms OMCC's reporting status, which may influence disclosure requirements and filing timelines.)

Smaller reporting company

A company that meets certain thresholds for public float and annual revenues, allowing for scaled disclosure requirements. (Indicates OMCC qualifies for reduced reporting obligations, potentially simplifying financial disclosures.)

SEC Act of 1934

The federal law that governs the secondary trading of securities, including requirements for periodic reporting by public companies. (OMCC is subject to the reporting requirements of this act, as evidenced by its filing of a 10-K/A.)

NASDAQ

A global electronic marketplace for buying and selling securities. (This is the exchange where OLD MARKET CAPITAL Corp's common stock (OMCC) is traded.)

Interactive Data File

Financial data submitted to the SEC in a machine-readable format (e.g., XBRL). (OMCC has confirmed it has submitted all required Interactive Data Files, ensuring data accessibility and analysis.)

Year-Over-Year Comparison

As this is an amended filing (10-K/A) for the fiscal year ended March 31, 2025, a direct comparison to the prior year's full 10-K is not possible from the provided excerpt. However, the amendment itself suggests that there may be revisions to previously reported financial data or disclosures. Investors should carefully review the specific changes made in this amendment to understand any shifts in the company's financial narrative or performance metrics compared to what was initially presented.

Filing Details

This Form 10-K/A (Form 10-K/A) was filed with the SEC on June 30, 2025 regarding OLD MARKET CAPITAL Corp (OMCC).

View full filing on EDGAR

View Full Filing

View this 10-K/A filing on SEC EDGAR